ARM Disclosure-phone app

If application is taken over the phone, what's the best way to provide the ARM disclosure to the customer since it must be provided when the app is provided to the customer? Explain over the phone and make note?

Three business days:

(b) Certain variable-rate transactions. Except as provided in paragraph (d) of this section, if the annual percentage rate may increase after consummation in a transaction secured by the consumer's principal dwelling with a term greater than one year, the following disclosures must be provided at the time an application form is provided or before the consumer pays a non-refundable fee, whichever is earlier (except that the disclosures may be delivered or placed in the mail not later than three business days following receipt of a consumer's application when the application reaches the creditor by telephone, or through an intermediary agent or broker):